General Liability: This coverage protects against financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments. Who needs this? Any business.

Professional Liability: This coverage protects against financial loss because of malpractice, errors, and negligence. Who needs this? Businesses that provide services to customers.

Product liability: This coverage protects against financial loss because of a defective product that causes injury or bodily harm. Who needs this? Businesses that manufacture, wholesale, distribute, and retail a product.

Commercial Property Insurance: This coverage protects your business against loss and damage of company property due to a wide variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. Who needs this? Businesses with a significant amount of property and physical assets.

Home-Based business insurance: Coverage that is added to homeowner’s insurance as a rider can offer protection for a small amount of business equipment and liability coverage for third-party injuries. Who needs this? Businesses that are run out of the owner’s personal home.

Business owner’s policy: A business owner’s policy is an insurance package that combines all of the typical coverage options into one bundle. They simplify the insurance buying process and can save you money. Who needs this? Most small business owners.